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Why Do Financial Apps Add Wealth Management?

Because offering investing can reshape their revenue models. Just ask Apex client SoFi — after expanding its investing offerings, the company more than doubled its financial services revenue year-over-year, with revenue per product up 52% in a single year.¹

 

What’s the Real Cost of Your Wealth Platform?

Not all cloud-native platforms are created equal. When you compare the products and services offered, the quoted fees are just the starting point. The real question is what’s already built for you — and what you’ll still have to build yourself.

To help you evaluate your Total Cost of Ownership (TCO), the chart below breaks down the wealth solutions, breadth of offerings, AI tools, and other available services built into AscendOS™ designed to simplify your entry into the wealth market.

Wealth Platforms: What’s Included vs. What’s Left to Build

How Does Apex Support UK-Based Clients?

With a knowledgeable team in your time zone and AI-powered support from Ask Ascend, our GenAI assistant that never sleeps.

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Belfast Office: Your UK Support Hub

Our Belfast team operates in the same time zone as London, giving you real-time access to solutions engineers, technical specialists, and operations support during your business hours

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Ask Ascend: 24/7 GenAI Assistant

Get detailed answers to technical questions, code examples, and troubleshooting guidance anytime from our AI assistant trained on AscendOS documentation and best practices²

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The Apex Service Experience

When you do need human support after you launch, we make it as fast and simple as possible (in other words, no waiting on hold in a call center queue):

  • 60 seconds to submit a service ticket online³
  • 30 minutes to get a response during business hours⁴
  • 1 point person to call when you urgently need your dedicated service team

Can You Launch Wealth Services Without an Investment Team?

Yes, if you opt to use Apex Asset Management (AAM), our Outsourced Chief Investment Officer (OCIO) service that’s coming in Autumn 2026. This service is capable of handling portfolio construction, rebalancing execution, tax-loss harvesting, and more, so you can offer sophisticated wealth strategies without hiring an in-house team.

AAM is designed to reduce your administrative and operational burden — and the associated costs — while your team maintains strategic oversight.

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Reduce the Staffing Cost.

Leverage AAM to access institutional-grade portfolio management as a service

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Minimize Portfolio Construction.

Lean on our Model Marketplace with 500+ professionally managed portfolio models

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Outsourced Rebalancing Execution.

Daily rebalancing across thousands of accounts without manual oversight or intervention

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Serve Mass Affluent Clients With Institutional Strategies.

Offer personalized portfolios, direct indexing, and tax-loss harvesting capabilities

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Stay IPS-Compliant.

AAM translates your Investment Policy Statement into an executable portfolio strategy, to help keep portfolios aligned with your documented guidelines.

Launch Without Your Own FINRA Registration.

Lean on Apex’s broker-dealer or, coming late 2026, RIA registration with Apex Direct

The target date is an estimated release date for the commercial features contained herein. All information is subject to change. Incremental or updated subscription, usage, or license charges may apply. 

What Is Apex Asset Management, Apex’s OCIO Service?

Apex Asset Management (AAM) is our OCIO service designed to help you offer sophisticated wealth strategies without building out a full in-house investment team that includes portfolio managers, compliance officers, risk analysts, and a Chief Investment Officer. You’ll still want to have human oversight over the technology, of course, but you won’t need a large team.

What is OCIO?

OCIO stands for Outsourced Chief Investment Officer, a service that allows financial companies to hire an external firm like Apex to manage investment decisions, portfolio construction, and ongoing management on their behalf.

Essentially, companies adding wealth services can skip hiring a full in-house investment team and managing the infrastructure, market data subscriptions, and compliance systems required to operate. Leveraging an OCIO can lower your total cost of ownership — and help make your wealth offering achieve profitability faster.

¹ SoFi Technologies. Q3 2024 Earnings Release. October 29, 2024. https://www.sec.gov/Archives/edgar/data/0001818874/000181887424000229/q32024earningsrelease.htm 

² Available in North America, South America, Africa, Asia, Oceania (Australia and surrounding countries), and the United Kingdom.

³ In demonstrations, service center tickets can be completed and submitted in under a minute. Apex proprietary data as of 8/1/24.

⁴ Apex proprietary data 1/1/24–6/30/24.

Why Do Fintechs Choose Apex?

Because Apex has been providing clearing, custody, and trading solutions long before most of today’s cloud platforms existed, we have a deep understanding of the nuanced features our clients need and value. Newer cloud platforms typically offer trading basics and are still building toward features that growing fintechs need to expand into wealth as efficiently as possible.

AscendOS delivers tools, workflows, and automations that many other providers make you build yourself.

Self-directed and robo investing models can provide personalized service at scale with algorithmically integrated tools such as investor risk questionnaires, the Model Marketplace, and the Apex Rebalancer.

Offer personalized, tax-optimized portfolios at $2,000 account minimums — 10x lower than most traditional wealth managers.

Choose a white-label turnkey integration or an API- and AI-forward custom build. Either way, expect to deploy in weeks or months, not years.

AscendOS delivers real-time processing so you can move at the speed your customers expect.

Pre-built SDKs, recipes, and AI code generation, and white-label UIs can replace hundreds of lines of boilerplate code.

One platform. One contract. One integration. One support team. All designed to eliminate the cost and complexity of coordinating multiple vendors.

Add more products and services as your demand grows. For example, Public.com increased their AUC by over $1B in the year following their launch of direct indexing with Apex.²